Who should be listed as a Named Insured?

Please note that the person who listed as the applicant will become the Named Insured on the policy.

The Named Insured has special rights and duties. These rights and duties are explained in General Rules of the policy wording.

Individual

If you are applying as an individual, please list your full legal name in the Name Insured box.

Couple

If you are applying as a couple to be married, please list the full legal names of both individuals in Name Insured box. 

Partnership or Joint Venture

If you are applying as a Partnership or Joint Venture please list you and partners or co-ventures full legal names.

Trade Name/Unincorporated Company  

If you are applying as a company that is not incorporated please list your full legal name and your unincorporated company name by including the acronym dba (doing business as).  An example of how to correctly list your name in this scenario is below:

Jane Doe dba ABC Company

Corporation

If you are applying as a Corporation, please list the full legal name of your corporation including the company’s designation (i.e. Inc. Ltd, Corp.)

Please note that if you need to list your venue or vendors (i.e. Rental Houses) as an additional insured or loss payee, they should not be listed as the applicant/Named Insured. When you purchase the policy, you will be supplied with a blank certificate of insurance. This certificate will allow you to add loss payees and additional insureds to your policy as needed per the terms and conditions of the policy.

Who is the Insurance Company that issues the policies?

The insurance company is Liberty Mutual Insurance Company. For over 105 years, we have been delivering exceptional property and casualty insurance products to businesses and individuals. They are the third largest property and casualty insurer in North America.

Click here to visit their website: https://www.libertymutualgroup.com

When does my coverage go in to effect?

If you choose to purchase your policy on the same day you want the policy to go into effect, the coverage begins at the time your confirmation email is received with the policy documents.  

If you purchase a policy for a future date, the coverage will begin at 12:01am on the date chosen.

Please note that the policy cannot be backdated.

What is included in the Wedding Enhancement Package?

Wedding Enhancement Package Options: 

Cover

SILVER

GOLD

PLATINUM 

Cancellation up to:

$10,000

$15,000

$20,000

Rearrangement up to 75% of the original wedding cost in respect of rearrangement

$7,500

$10,000

$15,000

Wedding Attire:

$5,000

$7,500

$10,000

Wedding Presents:

$5,000

$7,500

$10,000

Wedding Rings:

$5,000

$7,500

$10,000

Wedding Flowers:

$5,000

$7,500

$10,000

Wedding Cake:

$5,000

$7,500

$10,000

Photography and Video:

$5,000

$7,500

$10,000

Failure of Suppliers:

$7,500

$10,000

$15,000

Transport:

$5,000

$7,500

$10,000

DEDUCTIBLE::

$250

$250

$250

PREMIUM

$50.00

$65.00

$80.00

 

WEDDING ATTIRE

Coverage for up to the amount stated on the binder of insurance issued online, if any wedding attire is lost or damaged within 48 hours before or after the wedding whilst in the Insureds possession.  The Insurer will cover the reinstatement or replacement of the wedding attire or dress hire charges that are necessarily incurred by the Insured.

What is not covered under this section:

  1. Any loss by theft not reported to the police within 24 hours of the loss being discovered
  2. Loss or damage arising from wear and tear, deterioration, depreciation, confiscation or detention
  3. Any claim received after 90 days from the date of loss

 

PRESENTS, RINGS, CAKE & FLOWERS

The Insurer will cover the Insured, following loss or damage to any wedding presents, wedding rings, wedding cake, attendants' presents or flowers during the period of 7 days prior to the wedding date shown on the individual binder of insurance online and up to 24 hours after the reception date shown on the individual binder of insurance issued online, whilst at the Insured’s home or at the reception location shown on the individual binder of insurance issued online or in transit between these locations. The Insurer will replace or will pay the reasonable cost of replacing such items or make good such damage up to the amount shown on the individual binder of insurance issued online.

What is not covered under this section:

  1. Any loss by theft not reported to the police within 24 hours of the loss being discovered;
  2. Loss or damage by theft or attempted theft of any wedding present left in any unattended vehicle, unless the property is left in the locked trunk of the vehicle, concealed from view and there is evidence of violent, visible and forcible entry thereto;
  3. Loss or damage by theft or attempted theft of any wedding present left unattended or kept in an unlocked room, while at the reception;
  4. Loss or damage arising from wear and tear, deterioration, depreciation, confiscation or detention.
  5. items of cash, which are lost or stolen

 

PHOTOGRAPHS & VIDEO

The Insurer will cover the Insured, up to the amount shown in the policy schedule, for all expenses necessarily incurred to retake the wedding photographs/video as a direct and necessary consequence of the following: Non-appearance on the wedding day for any reason of the professional photographer/professional video operator booked for the wedding;

  1. Loss of or damage to the original film, negatives or digital media by any cause before copies are made;
  2. Non-development of the original film, negatives or digital media. Cover also includes the original video produced by the professional camera operator

What is not covered under this section:

  1. Loss or damage arising from wear and tear, deterioration, depreciation, confiscation or detention

Coverage under this section will only apply if notification of the covered claim is provided to the Insurer within 7 days of the wedding date shown on the individual binder of insurance issued online. All retakes must take place within 30 days of the wedding date shown on the individual binder of insurance issued online.

 

FAILURE OF SUPPLIERS

The Insurer will cover the Insured, following any supplier booked to supply transport, accommodation, catering, photographs, flowers, wedding attire or any other wedding services ceasing trading because of bankruptcy, liquidation or any other formal insolvency proceeding, up to the amount shown in the policy schedule for the following:

  1. Irrecoverable deposits;
  2. Additional costs in arranging alternative equivalent services

What is not covered under this section:

  1. Any costs, which would have been incurred, had the original supplier not ceased trading
  2. Any amounts recoverable under Sections 3 or 5

 

TRANSPORT

The Insurer will cover the Insured, following the failure of any vehicle hire firm or any other person to provide wedding transport in accordance with any agreement or obligation with the Insured, including non-appearance or breakdown of or accident to the vehicle, up to the amount shown in the policy schedule for the following:

  1. Irrecoverable deposits
  2. Additional costs in arranging alternative equivalent services

What is not covered under this section:

  1. Contracts, which are not in writing
  2. Any costs, which would have been incurred, had the original supplier provided the agreed service
  3. Ownership or use of trampolines, bouncy castles or other inflatables
  4. Any liability incurred by the Insured more than 24 hours before or 24 hours after the wedding date

 

 

CANCELLATION OR CURTAILMENT & REARRANGEMENT

What is covered under this section:

Cancellation or Curtailment:  The Insurer will cover the Insured, up to the amount shown in the policy schedule, for any irrecoverable expenses incurred by you in respect of transport, accommodation, catering, photographs, flowers, wedding attire and services from any other suppliers booked but not used as a result of unavoidable and unexpected cancellation or curtailment of the wedding or reception made necessary by any cause beyond the Insureds control happening in the geographical limits, except as specifically excluded under What is not covered under this section or under the exclusions applying to the whole policy.

Rearrangement: The Insurer will cover the Insured for any extra costs of alternative wedding services incurred to avoid cancellation of the wedding or reception. The most the Insurer will pay for these additional costs is 75% of the cost of the original wedding cost, but never more than the monetary amount shown in the policy schedule.

What is not covered under this section

1. Any claim arising from:

(a)        the bride, groom or either civil partner's disinclination to

(b)       the death, injury, illness, compulsory quarantine, witness summons or jury service of any person(s) other than members of the wedding party

(c)        any illness of which the Insured were aware prior to purchasing this insurance

(d)       lack of funds to continue with the wedding or reception, apart       from redundancy of any member of the wedding party, which occurs after the date of issue of the policy and qualifies for payment under redundancy law

(e)       the bride or groom or either civil partner being required to be overseas for the purposes of his/her trade, profession or business if this requirement was known about prior to purchasing this insurance; or any other member of the wedding party or any wedding guest being required to be overseas for the purpose of     his/her trade, profession or business whether or not this was known or foreseeable prior to purchasing this insurance

2. Any claim arising directly or indirectly from injury, illness or death of any person caused by:

(a)        suicide or attempted suicide or self-inflicted injuries

(b)        pregnancy or childbirth unless the expected date of confinement is more than two months after the wedding date

(c)       the influence of drugs (unless they are prescribed by a qualified medical practitioner but not to treat drug addiction) or the effects of alcohol

(d)       any hazardous activity or feat such as flying (other than as a fare-paying passenger on a recognised commercial airline), sky-diving or sky-surfing, parachuting, driving or riding in any kind of official and/or organised racing competition, rally or trial, rock climbing or mountaineering normally involving the use of ropes or guide, potholing, bungee jumping, parascending, canyoning, hang gliding, and skin-diving involving the aid of breathing apparatus other than whilst accompanied by and under the instructions from a qualified instructor

3. Any expenses incurred (or agreed to be incurred) after the Insured knew of circumstances likely to lead to the Wedding or Reception having to be cancelled or curtailed.

4.  Any claim arising from nonattendance of wedding guests unless due to adverse weather conditions preventing at least 50% of the guests from attending

All subject to a $250 deductible

Click here to read to full policy wordings for terms, conditions and exclusions 

What is included in the Birthday Party / Bar/Bat Mitzvah / Anniversary Enhancement Package?

Cover

SILVER

GOLD

PLATINUM

Presents

$5,000

$7,500

$10,000

Flowers

$5,000

$7,500

$10,000

Photography and Video

$5,000

$7,500

$10,000

DEDUCTIBLE::

$250

$250

$250

Premium

$30.00

$40.00

$50.00

 

PRESENTS & FLOWERS

The Insurer will cover the Insured, following loss or damage to any  presents, attendants' presents or flowers during the period of 7 days prior to the event date shown on the individual binder of insurance online and up to 24 hours after the reception date shown on the individual binder of insurance issued online, whilst at the Insured’s home or at the reception location shown on the individual binder of insurance issued online or in transit between these locations. The Insurer will replace or will pay the reasonable cost of replacing

What is not covered under this section

  1. Any loss by theft not reported to the police within 24 hours of the loss being discovered;
  2. Loss or damage by theft or attempted theft of any  present left in any unattended vehicle, unless the property is left in the locked trunk of the vehicle, concealed from view and there is evidence of violent, visible and forcible entry thereto;
  3. Loss or damage by theft or attempted theft of any  present left unattended or kept in an unlocked room, while at the reception;
  4. Loss or damage arising from wear and tear, deterioration, depreciation, confiscation or detention.
  5. items of cash, which are lost or stolen

 

PHOTOGRAPHS & VIDEO

The Insurer will cover the Insured, up to the amount shown in the policy schedule, for all expenses necessarily incurred to retake the event photographs/video as a direct and necessary consequence of the following: Non-appearance on the event day for any reason of the professional photographer/professional video operator booked for the event;

  1. Loss of or damage to the original film, negatives or digital media by any cause before copies are made;
  2. Non-development of the original film, negatives or digital media. Cover also includes the original video produced by the professional camera operator

What is not covered under this section:

  1. Loss or damage arising from wear and tear, deterioration, depreciation, confiscation or detention

Coverage under this section will only apply if notification of the covered claim is provided to the Insurer within 7 days of the wedding date shown on the individual binder of insurance issued online. All retakes must take place within 30 days of the event date shown on the individual binder of insurance issued online

All subject to a $250 deductible

Click Here to read to full policy terms, limitations and exclusions

What is Commercial General Liability?

This coverage is designed to protect against all sums that the insured shall become legally obligated to pay for bodily injury, property damage or personal injury to third parties arising out of the operations of the insured event.  It includes the cost of a lawyer to defend you.

Once coverage is purchased you will be prvided a certificate that can be issued to your venue//location and vendors naming them as an additional insured.

Deductibles:

  • Each Occurrence: $500 for claims of Bodily Insury / Property Damage
  • Tennant Legal Liability: $500 Per Claim

This policy excludes liability arising out of the use of motor vehicles, aircraft or watercraft.

Coverage under this policy excludes physical damage to art, sculptures, paintings and/or any other artistic pieces on display or exhibit at event venues.

Click Here to read to full policy terms, limitations and exclusions

What if my vendors are not providing evidence of insurance?

Please be aware that there is no coverage afforded under this policy for claims arising from the operations or actions of your hired vendors. We recommend that you request certificates of insurance on behalf of all of your hired vendors (including caterers, bands).

What date should I choose for my coverage to end?

The policy expires at 12:01am on the date you choose; as a result, we will quote your policy based on the expiry date you entered and we will add one addition day at no extra charge. Please note that if you do require a change to the policy term once the policy is purchased, you may be subject to a minimum $50 change fee so choose a sufficient length of coverage to allow you to get your gear back to the rental house. There is no additional charge for you to choose an expiry date that is longer than you need so long as it is no more than 5 days. Your premium charge is not determined by the length of the policy.

What are the Deductibles?

Rented Equipment Coverage: $500 Per Claim

Rented Tents/Marquees: $250 Per Claim

Wedding Enhansement Package Coverages: $250 Per Claim

 Birthday Party / Bar/Bat Mitzvah / Anniversary Package Coverages: $250 Per Claim

Cancellation Coverage: None

General Liability:

  • Each Occurrence: $500 for claims of Bodily Insury / Property Damage
  • Tennant Legal Liability: $500 Per Claim

Should the vendors we hire have their own insurance?

Please be aware that there is no coverage afforded under this policy for claims arising from the operations or actions of your hired vendors. We recommend that you request certificates of insurance on behalf of all of your hired vendors (including caterers, bands).

Rented Tents/Marquees - What does it cover?

TENTS / MARQUEES

Tents: Hired tents or tents including gazebos, staging, flooring, chairs and tables

What is covered under this section

The Insurer will cover the Insured, following loss or damage to tents up to the amount stated in the policy schedule, during the hire period and for which you have accepted responsibility.

What is not covered under this section

 (i)        Damage arising from erection or dismantling of any hired property

(ii)        Loss of or damage to the property Insured arising from wear and tear, deterioration, depreciation, confiscation or detention

(iii)        Damage to flooring caused by footwear

(iv)       Audio and visual entertainment equipment

All subject to a $250 deductible

Click Here to read to full policy terms, limitations and exclusions

Rented Equipment: What is included?

    What is Rented Equipment: Including but not limited to cameras, sound and lighting equipment and portable electrical equipment

    The Insurer will cover the Insured, following loss or damage to rented equipment up to the amount stated in this policy schedule, during the hire period and for which you have accepted responsibility.

    What is not covered under this section, Loss or Damage caused by:

    1. Wear and tear; any quality in the property that causes it to damage or destroy itself; hidden or latent defect; gradual deterioration; insects; vermin, or rodents; corrosion, rust, dampness, cold or heat; 
    1. Any work, process, experimentation, tests, repairing, restoration, conversion, or partial conversion, retouching, painting, cleaning or any other form of process performed or undertaken by the Insured or on the Insureds behalf or at the Insureds direction;
    1. Unexplained or mysterious disappearance or shortage found upon taking of inventory;
    1. Any electrical injury or disturbance to electrical appliances, devices, fixtures or wiring caused by electrical currents artificially generated, within the property or facilities you use in connection with the event;
    1. Damage to or destruction of property caused intentionally by the Insured or at the Insureds direction;
    1. Mechanical breakdown or derangement unless caused by a peril not otherwise excluded

    All subject to a $500 deductible

    Coverage under this policy excludes physical damage to art, sculptures, paintings and/or any other artistic pieces on display or exhibit at event venues.

    Click Here to read to full policy terms, limitations and exclusions

    Our Venue requires a certificate. How does that happen?

    Once coverage is purchased you will be prvided a certificate that can be issued to your venue//location and vendors naming them as an additional insured.

    My event type is not listed

    If your event is not listed, it may not be eligible to complete the purchase of insurance online. Please contact our office and we may be able to arrange a quote offline.  

    How do I provide proof of insurance to our venue or vendors?

    Once you have purchased coverage, you will receive an email with the policy binder, policy wordings and a blank certificate.   You can use this blank certificate to issues certificates to the following parties only who are asking to be added as loss payee and/or additional insured:

    1. Lessors of premises Rented/Leased to the event(s).
    2. Equipment rental companies, but only with respect to the maintenance, operation or use of the equipment by the Named Insured.

     The full legal name and address of the party to whom the Certificate is issued should be typed into the appropriate location on the Certificate.  Under no circumstances should the Certificate wordings be altered, added to or amended in any way.

    Honeymoon Cancellation Coverage - What is it?

    HONEYMOON CANCELLATION

    What is covered under this section:

    Honeymoon: The holiday taken by the newly married couple within 90 days of the date of the wedding ceremony

    The Insurer will cover the Insured, up to the amount shown on the binder of insurance issued online, if the Insureds pre-booked honeymoon is not taken as a direct result of the Insureds wedding being cancelled under the terms and conditions stated in this policy.

    What is not covered under this section:

    (a)          Any claim that is not supported by a valid travel insurance policy for all of the insured persons taking the honeymoon

    Click Here to read to full policy terms, limitations and exclusions

    Are you located outside of Canada?

    This program is currently only available for Canadians and Canadian registered Companies.